Does Koodo have a stolen phone replacement policy?

I just got my phone stolen from my car while I was in McDonalds. Does Koodo have any type of replacement plan? I have only had the phone for 4 months now and I don't see how someone stealing from me is my fault. So if there is no replacement policy (I am willing to pay a fee) than I am basically being screwed having to pay for the phone still even though I don't have it? The phone is a Nexus 5.

Also Apple Care/Extended warranty does not cover a stolen phone, that falls under your home insurance policy. The only time you can get coverage for a stolen phone is via your credit card's purchase assurance program, but you are required to purchase the full device on that credit card (ie. If the phone is purchased on a subsidy or tab, that will disqualify you from the credit card insurance program), as well as submit a police report regarding the theft.

Take a look at your credit card agreement if you paid for the phone up front. Some premium cards include insurance for lost or stolen goods paid for with the card, but I don't think after 4 months that will apply. Visa reimbursed me for an $800 camera after a house break-in a while back, but their window was within 90 days or purchase and I filed well within that period.

Certainly not for a "fee" paid after the fact. Insurance companies won't stay in business long following that model.